IDFC First Millennia vs IDFC First Classic Credit Card: Which One is Better For You?

IDFC First Bank is a very well-known credit card issuer as it offers excellent credit card options with affordable annual fees, and most of these cards are lifetime-free. This is why many people prefer having a credit card from IDFC First Bank, and they also get confused between different cards as almost all are lifetime-free (except a few). Two such cards by IDFC First Bank are the IDFC First Millennia and IDFC First Classic Credit Cards. Both the cards have a zero annual fee, and all their features are also quite the same. If you are thinking of getting one of these cards, you can go through all their features and a detailed comparison between them further in this article. Continue reading for more information:

IDFC First Millennia Credit Card

As mentioned earlier, the IDFC First Millennia Credit Card is a zero annual fee card issued by IDFC First Bank. Even though it’s a lifetime free card, you are welcomed with a gift voucher worth up to Rs. 500 and a 5% cashback on the very first EMI transaction. Talking about its reward rates, cardholders get up to 10 RPs on every Rs. 150 spent, which can be redeemed against different options at a decent redemption rate. It doesn’t offer free airport lounge access, but you also get complimentary railway lounge access each year, which makes it a good option for those who travel frequently via trains. Below mentioned are all its benefits and features in detail:

• A voucher worth Rs. 500 upon spending Rs. 15,000 or more within the initial 3 months as a welcome gift.
• You also get a 5% cashback on your first EMI transaction made within the first 90 days.
• You get 3x Reward Points on every offline spend of Rs. 150 and 6 Reward Points on online spending.
• Apart from this, you can earn 10x Reward Points on spending Rs. 20,000 or more in a month.
• The earned Reward Points are redeemable against various options at a redemption rate of 1 RP = Re. 0.25.
• You get 4 complimentary railway lounge access every quarter, which makes it 16 in a year.
• The card also offers complimentary roadside assistance four times a year worth Rs. 1,399.
• You can also enjoy a 25% discount on movie bookings via Paytm once every month.
• Cardholders can also avail themselves of up to 20% discounts on dining across several participating restaurants.
• You get personal accident coverage worth up to Rs. 2 lakhs and a credit liability cover worth Rs. 25,000.
• Get a 1% fuel surcharge waiver on all fuel transactions with a max cap of Rs. 200 each month.

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IDFC First Classic Credit Card

The IDFC First Classic Credit Card is also quite a similar card; it is lifetime-free and offers various benefits across different categories. It also provides you with a welcome gift voucher worth Rs. 500, and you can also earn a 5% cashback on your first EMI purchase. The card offers you up to 10 RP (Reward Points) for every Rs. 150, and the rewards can be redeemed against a number of different options of your choice. Talking about its travel benefits, you get 4 free railway lounge access every quarter. To know all its features in detail, refer to the below-mentioned points:

• You get a gift voucher worth up to Rs. 500 upon spending more than Rs. 15,000 within the initial 90 days of card activation. You can also earn 5% cashback on your first EMI transaction.
• You get 6x Reward Points for every online spend of Rs. 150 and 3 RPs on offline spending.
• On your birthday, you get 10X RPs on every spend and all other spend after achieving a monthly spend of Rs. 20,000.
• The earned rewards are redeemable against various options, where 1 RP = Re. 0.25.
• The cardholders can enjoy a 25% discount on movie bookings via Paytm once every month and up to a 20% discount on dining across several participating restaurants.
• You get 16 complimentary railway lounge access every year, i.e. 4 per quarter.
• The card comes with a personal accident cover worth Rs. 2 lakhs and a zero credit liability cover worth up to Rs. 25,000.
• You get a 1% fuel surcharge waiver, capped at Rs. 200 per month.

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Read More: IDFC First Millennia Credit Card Vs HDFC Bank Millennia Credit Card; Which One To Choose

Quick Comparison

Let us now compare the IDFC First Millennia and Classic Credit Cards through the following table. It will help you understand the difference better:

Comparison Factor	IDFC First Millennia Credit Card	IDFC First Classic Credit Card
Annual Fee	Nil	Nil
Rewards Rate	3 Reward Points on every offline spend of Rs. 150. 6 RPs on every online spend of Rs. 150. 10x RPs on spends beyond Rs. 20,000 per month.	3 RPs on every Rs. 150 for offline purchases. 6 RPs on every online spend of Rs. 150. 10 RPs on spends beyond Rs. 20,000 per month.
Reward Redemption	The earned reward points are redeemable against many different products and other options at a redemption rate of 1 RP = Re. 0.25. Rs. 99 plus taxes convenience fee for reward redemption. The earned reward points can be redeemed against various products	and other options with a redemption rate of 1 RP = Re. 0.25.
Movie & Dining Benefits	25% discount (up to Rs. 100) on movie bookings via Paytm. Up to 20% off on dining at partnered restaurants.	25% discount (up to Rs. 100) on movie bookings via Paytm. Up to 20% off on dining at partnered restaurants.
Insurance Benefits	A personal accident cover worth Rs. 2 lakhs. A credit liability cover worth Rs. 25,000.	A personal accident cover worth Rs. 2 lakhs. A credit liability cover worth Rs. 25,000.

Bottom Line

As you can see in the above table, the IDFC First Millennia and Classic Credit Card’s features are entirely the same. The only difference can be in the credit limits and eligibility criteria. To confirm the same, you can contact IDFC First Credit Card customer care and ask them about the eligibility requirements for both cards. You can also ask them about the credit limit ranges they offer with both cards; if it varies, you can go with the one with a higher credit limit. Both cards offer great rewards and benefits even after being free for life, so whichever you choose would be a good choice if it suits your requirements. Just make sure to use your card responsibly so that you can get upgraded to premium credit cards in the future. If you have any further doubts, feel free to ask us in the comment section below!